Medicare in Florida

Medicare enrollment in Florida

Medicare enrollment in Florida stood at 5,287,658 as of January 2026.¹

For most people, Medicare coverage enrollment happens when they turn 65. But Medicare eligibility is also triggered for younger people if they’re disabled and have been receiving disability benefits for 24 months, or if they have amyotrophic lateral sclerosis (ALS) or end-stage renal disease.

Almost 8% percent of Medicare beneficiaries in Florida are eligible due to disability, while the other 92% are at least 65 and are eligible for Medicare due to their age.¹ Nationwide, almost 90% of Medicare beneficiaries are eligible due to their age, and the remaining 10% are eligible due to a disability.²

Medicare Advantage plan availability and enrollment in Florida

As of January 2026, 57% of all Florida residents with Medicare were enrolled in private Medicare Advantage plans.¹

There are Medicare Advantage plans for sale statewide in Florida for 2026, and the average Florida Medicare beneficiary can choose from among 36 Medicare Advantage plans in 2026. But plan availability varies considerably from one part of the state to another.³

Learn more about Medicare Advantage, Medicare’s annual open enrollment period, and the Medicare Advantage open enrollment period.

Medicare supplement (Medigap) enrollment and regulations in Florida

Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that people would otherwise incur if they had only Original Medicare.

The Florida Office of Insurance Regulation (FLOIR) has a user-friendly website that people can use to compare premiums for Medigap plans available in each county in the state.

There are 24 insurers that offer Medigap plans in Florida in 2026.⁴ According to an AHIP analysis, 927,710 people had Medigap coverage in Florida as of 2023.⁵

Medigap plans are standardized under federal rules, and people are granted a six-month window, when they turn 65 and enroll in Original Medicare, during which coverage is guaranteed-issue for Medigap plans. Federal rules do not, however, guarantee access to a Medigap plan if you’re under 65 and eligible for Medicare as a result of a disability.

But Florida is among the majority of the states that have adopted rules to ensure at least some access to Medigap plans for people under age 65 who are eligible for Medicare in Florida. Since 2009, Florida residents under age 65 are granted a six-month window (starting when they’re enrolled in Medicare Part B) during which coverage under a Medigap plan is guaranteed-issue.⁶ The premiums are typically higher for enrollees under age 65, although they are given another enrollment window when they turn 65, so they can then switch to lower-cost Medigap coverage at that point.

Medicare Part D plan availability and enrollment in Florida

As of January 2026, there were 1,545,406 Florida Medicare beneficiaries who were enrolled in stand-alone Medicare Part D prescription drug plans.¹ Another  2,834,365 Medicare beneficiaries in Florida had Part D coverage integrated with a Medicare Advantage plan.¹

For 2026, insurers in Florida are offering 10 stand-alone Part D plan options.⁷ The lowest monthly premiums for these plans start at $0/month.⁷

Learn how Medicare Part D prescription drug coverage works, what it pays for, how and when to enroll.